<DOCUMENT>
<TYPE>EX-99.1
<SEQUENCE>3
<FILENAME>k72379exv99w1.txt
<DESCRIPTION>CERTIFICATION PURSUANT TO 18 U.S.C. SECTION 1350
<TEXT>
<PAGE>
                  CERTIFICATION OF PRINCIPAL EXECUTIVE OFFICER
                       PURSUANT TO 18 U.S.C. SECTION 1350


In connection with the Quarterly Report of Farmers & Merchants Bancorp, Inc. on
Form 10-Q for the period ending September 30, 2002, as filed with the Securities
and Exchange Commission ("the Report"), I, Joe E. Crossgrove, President and
Chief Executive Officer, certify, pursuant to 18 U.S.C. Section 1350, as adopted
pursuant to Section 906 of the Sarbanes-Oxley Act of 2002, that:


         1.       The Report fully complies with the requirements of Section
                  13(a) or 15(d) of the Securities Exchange Act of 1934; and

         2.       The information contained in the Report fairly presents, in
                  all material respects, the financial condition and results of
                  operations of Farmers & Merchants Bancorp, Inc. as of the
                  dates and for the periods expressed in the Report.


                                         /s/ Joe E. Crossgrove
                                       -------------------------
                                       Joe E. Crossgrove, President
                                         And Chief Executive Officer


Date:   11-1-02
       -----------------------


</TEXT>
</DOCUMENT>
